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0% APR finance with no deposit required

Your new fitness equipment is just a few simple clicks away. Whether you're after a brand new treadmill, garage gym or fitness watch with built-in GPS computer, we've got a range of payment options to help you spread the cost.

Spend £250 or more on any items with us (even discounted items) and you can apply for finance. It only takes minutes and you don't have to put down a deposit.

0% APR finance

Spread the cost without paying anything extra

Spread the cost with our 0% APR interest free finance option with no deposit required. You don't pay any interest at all for the duration of the loan.

0% APR example

Purchase price

£1,163.98

Deposit

£300.00

Credit amount

£863.98

24 Monthly pay

£36.00

Total repayable

£1,163.98

Term duration

24 months

Rate of interest

0%

Per Month:

£36.00

15.9% APR finance

Long term, lower monthly repayments

If you're looking for the lowest monthly repayments to get your dream body, then choose 15.9% APR finance.
Long repayment plans up to 48 months offer the most affordable monthly package.

15.9% APR example

Purchase price

£799.00

Deposit

£399.50

Credit amount

£399.50

48 Monthly pay

£11.08

Total repayable

£931.34

Term duration

48 months

Rate of interest

15.9%

Per Month:

£11.08

Pay nothing for 12 months with Buy Now, Pay Later

Spend between £250 - £2500 with Powerhouse Fitness and you pay nothing for 12 months with our Buy Now, Pay Later deferred finance option. Even better, you don't have to pay a deposit. Enjoy your new fitness equipment straight away while you give your bank balance a holiday.

How do I Buy Now Pay Later

Add the items you want to your basket and proceed to checkout.

In payment options select "Pay by V12 Finance", you can then select the finance option which you require.

You will be asked to complete a simple online application, it's quick, easy and you'll get the decision within a matter of seconds. There is no paperwork to be posted and no physical signature required!

After the term, you can choose to pay in full, with a £29 admin fee, or spread the cost over 36 months with fixed rate of 19.9%.

How to apply

Shop

All orders over £250 are eligible for finance

Apply

Click 'apply' for finance at checkout. Choose your deposit and term.

Decision

A decision is typically made in a few seconds.

Workout

We'll ship your items to you.

FAQs

HOW DO I ASK A QUESTION ABOUT THE CREDIT AGREEMENT?

Chat to V12 Retail Finance on 02920 468912

HOW LONG DOES IT TAKE TO APPLY ONLINE?

Our online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can't give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

WHAT ARE THE REQUIREMENTS FOR FINANCE?

Must be 18 or older.

You, or your partner is in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.

Has been resident in the UK for at least 3 years and will continue their residency in the UK.

Has a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification).

You must have a UK bank account capable of accepting Direct Debits.

Has a Bank or Building Society current account (you’ll need this to complete the direct debit instruction).

CAN I CANCEL MY CREDIT AGREEMENT IF I CHANGE MY MIND?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

HOW MUCH DOES THE LOAN COST?

The total cost of the loan is shown clearly on the finance agreement.

ARE THERE ANY OTHER CHARGES?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

HOW LONG BEFORE I HAVE TO START TO REPAY THE LOAN?

The first payment is typically due 30 days following the date of delivery of your order.

WHAT APR WILL I BE CHARGED?

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.

WILL I QUALIFY FOR FINANCE?

To apply for one of our credit options you must meet the following criteria:

Over 18 years of age.

A UK resident with at least 3 years continual address history.

Be in full time employment, unless retired, or unemployed with a spouse in full time employment.

Have a UK bank account capable of accepting Direct Debits.

The goods must be delivered to your home address (submitted on your application).